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Financials · CCBG

Capital City Bank Group (CCBG) financials

For the twelve months ended Sep 30, 2026, Capital City Bank Group reported $255.40M of revenue and $62.74M of net income.

Revenue, TTM
$255.40M
Revenue growth, YoY
+2.0%
Net income, TTM
$62.74M
Net income growth, YoY
+2.9%
Net margin
24.6%
Free cash flow, TTM
$61.20M
Cash
$411.63M
P/E
14.01
P/S
3.44
Market cap
$879.2M
Annual revenue$254.00M
FY2016FY2025
Annual net income$61.56M
FY2016FY2025
Annual free cash flow$80.03M
FY2016FY2025

CCBG revenue and earnings growth

CCBG revenueQ3 2026$64.39M

Quarter YoY
-2.3%
QoQ
-0.6%
FY YoY
+8.1%
5Y CAGR
+3.6%
10Y CAGR
+6.9%

CCBG revenue was $64.39M in fiscal Q3 2026 (ended Sep 30, 2026), down 2.3% from a year earlier and down 0.6% from the prior quarter. For the full fiscal 2025 it was $254.00M, up 8.1% from fiscal 2024. Compound annual growth was +3.6% over 5 years and +6.9% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CCBG net incomeQ3 2026$16.94M

Quarter YoY
+6.2%
QoQ
+4.1%
FY YoY
+16.3%
5Y CAGR
+14.3%
10Y CAGR
+21.0%

CCBG net income was $16.94M in fiscal Q3 2026 (ended Sep 30, 2026), up 6.2% from a year earlier and up 4.1% from the prior quarter. For the full fiscal 2025 it was $61.56M, up 16.3% from fiscal 2024. Compound annual growth was +14.3% over 5 years and +21.0% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CCBG EPSQ3 2026$0.99

Quarter YoY
+6.5%
QoQ
+4.2%
FY YoY
+15.4%
5Y CAGR
+13.9%
10Y CAGR
+21.1%

CCBG diluted EPS was $0.99 in fiscal Q3 2026 (ended Sep 30, 2026), up 6.5% from a year earlier and up 4.2% from the prior quarter. For the full fiscal 2025 it was $3.60, up 15.4% from fiscal 2024. Compound annual growth was +13.9% over 5 years and +21.1% over 10 years.

CCBG free cash flowQ3 2026$29.16M

Quarter YoY
+47.1%
QoQ
+291.1%
FY YoY
+45.8%
10Y CAGR
+10.7%

CCBG free cash flow was $29.16M in fiscal Q3 2026 (ended Sep 30, 2026), up 47.1% from a year earlier and up 291.1% from the prior quarter. For the full fiscal 2025 it was $80.03M, up 45.8% from fiscal 2024. Compound annual growth was +10.7% over 10 years. It rose in 2 of the last 4 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$254.00M$234.91M$230.60M$200.20M$210.41M$212.49M$156.40M$144.07M$134.73M$131.65M
Interest expense--$22.08M$6.89M$3.49M$4.87M$9.49M$6.89M$3.95M$3.19M
Pre-tax income$81.72M$65.57M$63.86M$41.08M$49.45M$52.88M$40.76M$29.64M$23.07M$17.61M
Income tax$20.16M$13.92M$13.04M$7.80M$9.84M$10.23M$9.95M$3.42M$12.20M$5.87M
Net income$61.56M$52.91M$52.26M$33.41M$33.40M$31.58M$30.81M$26.22M$10.86M$11.75M
EPS, basic$3.61$3.12$3.08$1.97$1.98$1.88$1.84$1.54$0.64$0.69
EPS, diluted$3.60$3.12$3.07$1.97$1.98$1.88$1.83$1.54$0.64$0.69
Diluted shares17.1M17.0M17.0M17.0M16.9M16.8M16.8M17.1M17.0M17.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$529.97M$391.85M$312.07M$600.65M$1.04B$928.55M$378.42M---
Goodwill$89.09M$91.80M$91.80M$91.80M$91.80M$89.10M$84.81M$84.81M$84.81M$84.81M
Total assets$4.39B$4.32B$4.30B$4.52B$4.26B$3.80B$3.09B$2.96B$2.90B$2.85B
Short-term debt$50.09M$28.30M$35.34M$56.79M$34.56M$79.65M$6.40M$13.54M$7.48M$12.75M
Total debt--$314.0K$513.0K$884.0K$3.06M$6.51M$8.57M$13.97M$14.88M
Total liabilities$3.83B$3.83B$3.86B$4.12B$3.87B$3.46B$2.76B$2.66B$2.61B$2.57B
Shareholders' equity$552.85M$495.32M$440.63M$387.28M$383.17M$320.84M$327.02M$302.59M$284.21M$275.17M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$87.61M$63.57M$54.78M$92.69M$122.17M-$48.61M$53.69M$34.63M$38.78M$22.62M
Capital expenditures$7.59M$8.69M$7.05M$6.32M$5.19M$9.74M$3.76M$1.46M$4.00M$4.45M
Free cash flow$80.03M$54.88M$47.74M$86.37M$116.98M-$58.35M$49.93M$33.17M$34.78M$18.17M
Investing cash flow$64.41M$68.35M-$68.54M-$765.83M-$453.97M-$32.59M-$46.88M-$94.02M-$97.53M-$137.36M
Financing cash flow-$13.90M-$52.14M-$274.82M$238.43M$438.60M$631.33M$95.61M$49.95M$48.15M$31.88M
Dividends paid$17.06M$14.91M$12.90M$11.19M$10.46M$9.57M$8.05M$5.46M$4.07M$2.89M
Share repurchases$0$2.33M$3.71M$0$0$2.04M$1.80M$8.03M$0$6.31M
Stock-based compensation$2.32M$1.80M$1.24M$1.63M$843.0K$892.0K$1.57M$1.42M$1.50M$1.26M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY8.1%1.9%15.2%-4.8%-1.0%35.9%8.6%6.9%2.3%0.9%
Net income growth, YoY16.3%1.3%56.4%0.0%5.8%2.5%17.5%141.4%-7.5%28.9%
EPS growth, YoY15.4%1.6%55.8%-0.5%5.3%2.7%18.8%140.6%-7.2%30.2%
Net margin24.2%22.5%22.7%16.7%15.9%14.9%19.7%18.2%8.1%8.9%
Free cash flow margin31.5%23.4%20.7%43.1%55.6%-27.5%31.9%23.0%25.8%13.8%
Return on equity11.1%10.7%11.9%8.6%8.7%9.8%9.4%8.7%3.8%4.3%
Return on assets1.4%1.2%1.2%0.7%0.8%0.8%1.0%0.9%0.4%0.4%
Debt to equity--0.000.000.000.010.020.030.050.05

Source: XBRL data Capital City Bank Group files with the SEC, latest filing dated Oct 30, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CCBG peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CCBG$255.40M+2.0%$62.74M24.6%$879.2M
JPM$203.15B+13.2%$65.98B32.5%$908.40B
BAC$120.16B+5.4%$32.24B26.8%$349.70B
WFC$87.23B+5.4%$22.97B26.3%$257.44B
C$85.22B+5.6%$14.31B16.8%$202.38B
UBS$49.57B+2.0%$7.80B15.7%$152.60B
MFG¥8.79T+7.6%¥1.16T13.2%$123.62B
COF$63.01B+31.2%$10.87B17.2%$117.80B
BNSC$37.74B+12.1%C$7.79B20.6%$113.63B

CCBG FAQ

7 questions
  • What is CCBG revenue?
    Capital City Bank Group (CCBG) reported $255.40M of revenue for the twelve months ended Sep 30, 2026. That is up 2.0% from the year before. Revenue for fiscal 2025 was $254.00M.
  • Is CCBG profitable?
    Yes. Capital City Bank Group earned $62.74M in net income for the twelve months ended Sep 30, 2026, a net margin of 24.6%.
  • How much cash and debt does CCBG have?
    Capital City Bank Group reported $411.63M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CCBG revenue growing?
    Capital City Bank Group's revenue changed +8.1% in fiscal 2025, to $254.00M. Its compound annual growth rate was +3.6% over 5 years and +6.9% over 10 years.
  • What is CCBG free cash flow?
    Capital City Bank Group generated $61.20M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $73.40M less capital expenditures.
  • When did CCBG last report financial results?
    The latest statements here come from Capital City Bank Group's 10-Q filed on Oct 30, 2026, covering the period ended Sep 30, 2026.
  • Where does this CCBG financial data come from?
    Quantisnow builds these statements from the structured XBRL data Capital City Bank Group files with the SEC. It is provided for information only and is not investment advice.